Happy to make an intro to the CS Outsource answering service team that does our late-night support.They help with 24/7 emergency support, overnight coverage, troubleshooting issues, dispatching approved vendors & local staff, tracking and managing maintenance work orders, and other back-office tasks.

I will go down to the post office and ask again.

On some occasions, I just take a simple contract to a local escrow office and do it myself.Basically, everything in real estate is negotiable.

The company I mentioned above actually found the real issue (more on that in a separate post) and I visited their office yesterday. 

I asked two different loan officers (one at a credit union and one for a conforming mortgage loan), and they both said that if you're not borrowing from the heloc, it doesn't increase your debt or your DTI ratio.  

I do the same stuff I do here in the brokerage office and for the agents around me, just ask em, but obviously the reach is far more limited, right. 

exp and Real and other cloud brokerages have the advantage of lower splits and few main offices.

Chances are your Loan Officer doesn't even know what an overlay is. 

As it turns out, both the heloc loan officer and the confirming mortgage loan officer said the same thing - since my heloc has a $0 balance, it doesn't count towards DTI calculations!  

If you got of law school, medical school, dental school, or grad school, you could still qualify.